Monday, August 31, 2009

Federal Employee Health Benefits

OK - here we are again. I took a couple of days off for the weekend and now am back and feeling refreshed. I wasn't sure which way to go next - so I needed to clear my head a bit.

I thought it was important to debunk one of the health care myths - that the Federal Government would be taking themselves out of the new proposed program for health care benefits. I guess some people think that if it isn't good enough for Congress, than why would we think it was good enough for us. Well the easy answer is they're NOT excluding themselves - they've been excluding us for all these years - and with the new plan, we won't be excluded from an affordable choice of insurance plans anymore.

For the past 10 years, I've considered myself lucky. I work for a company that pays 100% of my insurance premiums. Plus, I have low co-pays for my services and no deductible to meet. I'm very appreciative of this and wish everyone would have that choice. And now, they will.
I'm a true believer that all Americans, not just the rich or the lucky, like myself, are entitled to a an affordable health care choice in insurance plans. And if the company I work for can do it, there's no reason that all employers can't do it - even if they need a little help - which they'll get with the new plan in the form of generous tax credits.

So I did a little homework. I googled the Federal Employees Health Care Benefits web page. I can see why it's such a good plan. So basically, after reading a great deal of the House Health Care Bill (I still have a lot more to read.), I discovered that their plan is actually quite similar to the plan I have at work - actually mine is just minimally better.

For instance, if you go on to the site, you can choose the state you live in. Once inside, you can look at the Plans that are available and the costs of the premiums.

I clicked on CA, there are about 10 plans to choose from. I clicked on PA, and again there are about 12 different plans to choose from. Keep in mind you can choose an HMO, PPO, Fee for Service Plan, High Deductible, Standard Deductible, etc..... You can also use your HealthCare Flex Plan. There are a lot of plans and coverages to choose from.

I ended up just picking a plan to research - the one I'm most familiar with - not the most expensive plan, also not the cheapest plan and here is what I discovered.

This particular company had 2 plans to choose from: a standard option plan and a high option plan. Below are some of the plan benefits and the monthly premiums.

Benefit, Standard Co-Pay, High Co-Pay

Office Visit, 30.00, 15.00
Inpatient Admission, 500.00, 250.00
Preventative, 10.00, 0
Medications, 15.00, 10.00
Vision, NA, 25% Discount
Chiropractic, 15.00, 15.00
Tests - Lab, Xrays, 10.00, 0
CT/PET, 50.00, 0
WellBaby, Maternity, 5.00, 5.00
ER, 100.00, 50.00


Now, I don't know what kind of coverage you all have, but I believe this is an excellent plan - much better than most people have. I have been hearing a lot of nightmare stories of people paying 5000.00 - 10,000.00 a year in high deductibles before their benefits even kick in. This is outlandish. How can anyone afford this on a yearly basis?

OK - now let's take a look at the monthly premiums. Again, I don't know what everyone else is paying, but these seem pretty reasonable to me - and let's remember, these do not take into consideration any one's age or pre-existing conditions. There aren't any exclusions.

Family Size, Standard Option, High Option

Single, 280.15, 647.49
Family, 443.28, 1024.53

Also keep in mind, this employer picks up 75% of these premiums. So the following are out of pocket premiums you pay if your employer chooses this option. My employer pays 100% as yours may as well.

Single, 70.00, 162.00
Family, 111.00, 256.00

So tell me, isn't this a heck of a better plan than most Americans are getting?? I would think so. And again, I've been hearing a lot of nightmares out there from my patients, my family and my friends. Just because you may have a great health insurance plan, as I do, remember there are many Americans out there who are filing for bankruptcy, losing everything they have including their homes. And there are many Americans who die or who get a lot sicker than they need to, just because they don't have adequate health insurance at all. These may be the young adults who just think they won't get sick, and choose to buy a car instead of health insurance. These may also be people who just can't afford health insurance, who have lost their jobs because of the horrible economy now. These may be people who are just falling through the cracks. And most importantly, only because I think people are generally unaware of the under-insured population, these are people who actually have insurance, but don't know they aren't appropriately covered. I believe most people think they like their insurance - because they don't use it much - but when they actually have an illness that requires specialized care or hospital admission, they find it doesn't really pay for the bills they incur. I ask you again, shouldn't all Americans be entitled to some basic benefits - especially health care at an affordable rate with an choice that is right for them and their families?

If you don't think so, tell me why. Let's hear your side.

By the way, are you aware that of all bankruptcies filed, 60+ percent are due to a health care crisis, and of those families, 80% of them had health insurance. Interesting !

If yes, pass this blog around, educate people - spend a little time with your friends, families and co-workers so people really now what's going on.

Take a listen to one of the Reality Check videos on the whitehouse.gov website. I've attached the link below - just click on it. It's only 2 - 3 minutes long. It's a question from a regular person just like you or me.

Have a great day. Give back a little in some way today.

Congress did not vote to exempt themselves from reform | Health Insurance Reform Reality Check

Congress did not vote to exempt themselves from reform | Health Insurance Reform Reality Check

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Thursday, August 27, 2009

Electronic Records

Let's talk about the paperless chart tonight - the good, the bad and the ugly. Which one should we start with? Well since I'm forever the optimist, let's look at some of the good.

Wow - what would it be like if our medical providers had computer access to every patient's medical record, with the patient's permission of course - their medical history, doctor's notes, their medication lists, their lab and imaging reports?? What if every patient had a scanable medical ID card that had their personal information on it - like what insurance coverage they have, who their Primary Doctor is, emergency contact information and maybe even some important medical information like allergies, DNR status, etc...?

Just that in itself would be pretty amazing!

Just think how much money we could save in repeated tests between providers. Not only can we see what prior tests were done, but also the results of each test. Do you know how much money repeated tests cost the patient, the insurance company, the hospital? A lot. If you think this is not a common occurrence, you would be wrong. Every time, we receive a patient from another facility, we repeat, at the very least, lab tests and x-rays - not to mention the more costly tests like CT scans, MRIs and Echos, Treadmills, Angiograms. None of these are cheap.

As someone who works for a hospital that's already went mostly paperless, The electronic chart is pretty wonderful on many levels.

We're saving trees - and lots of them. No more file rooms - everything is online. Whoo Hoo!

It's nice to be able to read everyone's hand writing. How much time have we all spent standing around a nurse's station passing a doctor's order sheet around so that everyone could try to figure out what he/she had written. How many times have we asked the patient what medications they take because we aren't quite sure what the doctor wrote. This has always been a huge safety issue.

It's also great to be able to see when a patient's lab tests and imaging reports are back so that we can let the patient know - as well as the doctors so they can continue with their patient's care.

Plus the little conveniences of just being able to enter anything in the computer and it's just right there in front of us - an order goes right to the lab, x-ray, the kitchen, other departments. We write the doctor a note. The physical therapist puts their notes in the computer so the doctor can read it right away. No phone calls necessary. We can google disease processes online - print out diets, medication information, discharge instructions, etc.. These are all great time savers.

And maybe the most impressive thing for me about the electronic record - as it should be for everyone - is the amount of medical errors that can be avoided, the amount of people that aren't injured, maimed or killed by a medical error, the money that it would save patients, insurance companies and facilities. I would think, this in just itself, would be a huge cost saving for our health care system. Think of the lawsuits. Multiple studies have shown anywhere from 7,000- - 30,000 deaths occur annually in hospitals alone due to medication and "other" medical errors. Medication errors alone harm 1.5 million annually and cost the Health Care System between $77 - $177 Billion annually. Yikes ! This doesn't even take into consideration the deaths that are caused by hospital acquired infections or medical equipment or supply errors. This is just charting related or medication errors. The electronic record will significantly cut down on these adverse results. The doctor's medication orders now are entered into the computer, they get sent directly to the pharmacy where the pharmacist verifies the medication order. This order goes directly into our medication machine on the unit - the Pyxis. From there, the nurse can only take out medications for that patient - and then the patient and the medication is scanned at the bedside for additional patient safety. The computer tells us if we scan the wrong patient, the wrong medication - and if there is an allergy alert on the chart. Time consuming - yep - but well worth it if it keeps me from making a mistake that could cause a patient harm.


OK - now the bad.

Sometimes the electronic charting has many obstacles - well not just sometimes, but every day and multiple times throughout the day. The carts need plugged in. The batteries go dead. The carts are out of range. The system goes down. We chart on the wrong patient. The medications won't scan. They change the program and don't tell anyone. And there are times when it seems it takes longer to chart on the computer. I'm guessing sometimes the patients feel like we're paying more attention to those darn computers then them. But all in all, we get used to these things the longer we use them. Hopefully, eventually we get more user friendly software programs and better wireless networks.

Then - there's ugly.

I'm guessing that would be the compromising of patient information due to easier access. Of course this is always a concern - and there are a lot of smart people out there who can figure out how to steal private information on computers. And there's also just carelessness on all our parts - leaving our computers unattended. Again, hopefully we all get better at all these things. Maybe eventually all of our records will be encrypted and everyone will carry around a little USB drive that has an key to open the encrypted messages. This could protect everyone's personal information better. As we all know, hospitals, credit card companies, businesses, banks and government agencies have safeguards in place to help protect our privacy.

So anyway, there it is in a nutshell. Did I miss anything - good, bad or ugly??? I'm sure I did. Let me know. Good Night!

Wednesday, August 26, 2009

A Sad Day for History

Well here we are again - just sitting down to write a few thoughts.

I think the only appropriate thing to talk about today would be Ted Kennedy - not the death of - but the life of Ted Kennedy - about one of his many causes.

Again, Health Care Reform is just in the forefront of my mind. I just can't imagine anyone today who isn't impacted some way by the inefficiencies of the system. There may be people who settle for the system and they way it works now - but I can't believe, in some way, don't think it could be better - that they wouldn't have to give something else up just to pay a doctor or medication or hospitalization bill.

I was watching Jon Stewart earlier this week - and he was interviewing Betsy McCaughey (She has her PHD in history and particularly the US Constitution.) , a lobbyist against health care reforms during the Clinton and now Obama administrations. First off, she was talking nonsense about the End of Life Issues. But more importantly she actually said - and I mean out loud - that what has changed over the years since 1960 is the amount of "disposable" money people can choose to spend on health care. I think her actual point was that since 1960, families have started to spend less money on food and clothing, a steady amount on housing and therefore this has permitted people to spend more of their disposable incomes on health care. OK - now I think this is surely a flawed concept. Let's just say, some of her words are true - that people do spend less money on food and clothing and more on health care - I would think the opposite - it doesn't permit them to do anything. I believe that because health care costs are rising and people have to pay for them, they can afford to spend less money on food and clothing. And just how sad is that ! Again, I believe this is just one other way some people are twisting words to convince others that Health Care Reform is not needed.

Just another thing to think about.

I'm sure you've heard this quote a million times today and will continue to in the following weeks - but I can't think of anything more poignant or appropriate in times like these.

"The work goes on. The cause endures. The hope still lives. The dream shall never die."

Let's get it done together. Have a great day ! Feel free to weigh in.

Tuesday, August 25, 2009

Another day - unfortunately didn't get very far on the House Health Care Bill reading today - only page 50. I'll write more about that after I get a little further.

But let's talk about some of the continued media buzzz - or what I prefer to call it, propaganda, that is circulating on the tube and radio. Shall we call them "The Death Panels" or what they really are - the End of Life Decisions Policy????

Well since there may be some non-health care people reading this blog - let's clarify this a little bit. First off, Pres. Obama didn't mention this in his visionary plan at all. The House bill dedicates 4 - 5 pages of policy with specifics about how doctors/providers will go about discussing end-of-life decisions or life-sustaining procedures with their patients. As we health care providers know, this has already been going on for many years. I consider myself a fairly new nurse, 16 years. Nursing is my second career so I work with many people who have done it much longer than myself. But, for as long as I can remember, all hospitals have been discussing these options with patients. It's a government requirement already - has been for a long, long time. Every time someone gets admitted to a hospital, the patient gets a pamphlet and a doctor asks the patient what their desires are in case something catastrophic were to happen to them.
Do they want CPR, Cardiac Medications, Defibrillation, Intubation, Tube Feedings, Antibiotics or IV Fluids??

By the way, these are only used in cases where a patient is terminally ill. This doesn't mean if you come into the hospital for a sore throat or a hip replacement - and something happens - like a heart attack or stroke - we won't do anything for you. This means that if you are dying of cancer and your heart stops while you're very ill in the hospital, we will respect your wishes if you don't want any more heroic measures done. Or maybe if you've had a massive stroke and you were originally placed on a ventilator and days later, it's determined that you have no brain waves, we could again respect your wishes to have the ventilator removed.

And if the person and or/family change their minds at any time, we then do everything and give them the time they need to work it out.

The only things this bill would add to what we're already doing is:

#1 - There will be a specific policy which dictates the format of education, pamphlets, resources and assistance that will be available to patients.

#2 - The doctor/provider will actually get paid for his consult with the patient - which I believe will allow the doctor/provider to spend more time with the patient discussing these issues.

#3 - The government will keep track of how many patients they consulted with, how many people make living will and when ill, how many living wills are actually abided by.

So in a nutshell, someone will get paid for their time doing what they're already actually doing for free. Simple. Why all the fuss anyway???

So long for now. Sleep tight !

Monday, August 24, 2009

HealthCare Reform

OK - so here we go.

Last night I finished reading Pres. Obama's Health Care Reform Bill. It was a pretty easy read - 167 pages.

So far, so good - tell me what you think !

For me - the good points are as follows:

I can select my own doctor. I can keep my old plan.

If you have Medicare, Medicaid, Tricare, VA, CHIPS or the Federal Employee Health Plan, you keep that too.

The government can not dictate what happens between me and my doctor. Yep it actually is written into the bill.

No Pre-existing Condition Clause
No Dropped Coverage for being Sick or Losing my Job
No Annual or Lifetime Limits on How Much my Illnesses Cost
A Limit on How Many Out of Pocket Dollars I Spend Annually
Children can be on their Parents Coverage Until they're 26
No Illegal Immigrants Covered
A Big Tax Credit for Employers paying for their Employees Coverage
Money Assistance for Low Income Individuals/Families so they can Afford Coverage
It doesn't Interfere with Union Contract Benefits to Employees

Any Individual or Company can Choose to Enroll - or Not Enroll in the Insurance Co. Exchange

States Can Run their Own Exchanges if they Want and if they Meet Certain Rules

And a New Focus on some Important Things in my Nursing World:

A Focus on Discharge Planning, Chronic Condition Management, Free Wellness and Prevention Services, Best Clinical Practice Standards, Electronic Records, Prevention of Hospital Re-admissions.

And Support for a New Program - Community Living Assistance - to Help the Elderly with Activities of Daily Living. This would mean more money for Custodial Care - which is not covered now.

Anyway, as I see it, it's a pretty good bill. All positives in my mind.

Well maybe one scarey thing - CHANGE - and alot of it all at once. I think that's what we all voted on in the last election - well, at least a big majority did. We need change.

I know it's scarey - but it has to start somewhere. The Health Care system is breaking down - it's been happening for years and it will only get worse. I know I sure don't want to be without insurance in 10 - or 15 - or 25 years. I want to be covered and covered well - just like my parents and grandparents.

How about you??? Let me hear your comments, opinions, complaints ! Have fun with it.

Sunday, August 23, 2009

So What's on Your Mind Today? For me, it's This !

Hi there -

Well for me today is the first day of my Blog - so that's what's on my mind today? How about you?

I'm coming here, to hopefully, encourage some discussions on my life, your life, current events - anything that's on your mind today. So help me launch it.

Tomorrow, I'm going to talk a little bit about the Healthcare Reform Bills - I'd like everyone's opinions, thoughts, feelings, misconceptions and clarifications.

Thanks